Are you searching for the cheapest insurance rates in North Charleston, SC? North Charleston buyers have lots of choices when searching for affordable car insurance. They can either spend hours calling around to compare prices or save time using the internet to make rate comparisons.

There is a right way and a wrong way to find insurance online so we're going to tell you the proper way to quote coverages for a new or used and locate the lowest price.

Consumers need to quote other rates as often as possible since insurance prices are adjusted regularly by insurance companies. Just because you found the best price on insurance last year other companies may now be cheaper. Forget all the misinformation about insurance because we're going to show you the best methods to find lower rates on insurance.

Getting a cheaper price on insurance can be relatively painless. Just take a few minutes to compare rate quotes from online providers.

The companies shown below have been selected to offer quotes in North Charleston, SC. If multiple companies are listed, we suggest you compare several of them in order to find the lowest rates.

Insurance Rates for Popular Vehicles in North Charleston
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Silverado Crew Cab Hybrid 2WD $1,302 $651 $109
Dodge Ram Quad Cab Sport 4WD $1,048 $524 $87
Ford Escape XLS 2WD $908 $454 $76
Ford F-150 XLT Super Cab 2WD $770 $385 $64
Ford Focus SE 4-Dr Sedan $1,324 $662 $110
GMC Sierra SLE Extended Cab 4WD $1,236 $618 $103
Honda Accord LX 4-Dr Sedan $990 $495 $83
Honda CR-V EX 4WD $822 $411 $69
Honda Civic GX 4-Dr Sedan $896 $448 $75
Jeep Grand Cherokee Limited 2WD $1,110 $555 $93
Jeep Wrangler Sport Islander Package 4WD 2-Dr $914 $457 $76
Kia Optima LX $1,276 $638 $106
Nissan Altima Hybrid 4-Dr Sedan $870 $435 $73
Toyota Camry LE $1,042 $521 $87
Toyota Corolla XRS $1,480 $740 $123
Toyota Prius $1,126 $563 $94
Toyota Tacoma Double Cab TRD Off-Road Package 4WD $808 $404 $67
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Data based on single male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and South Carolina minimum liability limits. Discounts applied include multi-policy, claim-free, homeowner, multi-vehicle, and safe-driver. Prices do not factor in garaging location in North Charleston which can affect auto insurance rates noticeably.

Physical damage deductibles: Should you raise them?

One of the hardest decisions when shopping for auto insurance is how low should you set your deductibles. The comparisons below sum up the price difference when you choose different policy deductibles. The first data table uses a $100 deductible for physical damage and the second price chart uses a $1,000 deductible.

Ford Fusion rates are for example purposes only. To get rates for your specific vehicle, click here.

Ford Fusion insurance rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Fusion S 4-Dr Sedan $294 $530 $342 $20 $102 $1,313 $109
Fusion SE 4-Dr Sedan $332 $624 $342 $20 $102 $1,445 $120
Fusion Hybrid 4-Dr Sedan $332 $720 $426 $26 $128 $1,657 $138
Fusion SEL 4-Dr Sedan $332 $624 $342 $20 $102 $1,445 $120
Fusion Sport 4-Dr Sedan $332 $624 $342 $20 $102 $1,445 $120
Fusion SEL AWD 4-Dr Sedan $370 $720 $342 $20 $102 $1,579 $132
Fusion Sport AWD 4-Dr Sedan $370 $720 $342 $20 $102 $1,579 $132
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Ford Fusion insurance rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Fusion S 4-Dr Sedan $162 $280 $342 $20 $102 $906 $76
Fusion SE 4-Dr Sedan $184 $330 $342 $20 $102 $978 $82
Fusion Hybrid 4-Dr Sedan $184 $380 $426 $26 $128 $1,144 $95
Fusion SEL 4-Dr Sedan $184 $330 $342 $20 $102 $978 $82
Fusion Sport 4-Dr Sedan $184 $330 $342 $20 $102 $978 $82
Fusion SEL AWD 4-Dr Sedan $204 $380 $342 $20 $102 $1,048 $87
Fusion Sport AWD 4-Dr Sedan $204 $380 $342 $20 $102 $1,048 $87
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Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and South Carolina minimum liability limits. Discounts applied include claim-free, homeowner, safe-driver, multi-policy, and multi-vehicle. Information does not factor in your specific North Charleston location which can alter coverage prices noticeably.

Based on this data, using a $100 deductible will cost in the ballpark of $40 more each month or $480 annually than requesting the higher $1,000 deductible. Since the policyholder would be required to pay $900 more to settle a claim with a $1,000 deductible as compared to a $100 deductible, if you normally average at least 23 months between claims, you would come out ahead if you elect the higher deductible.

Why you need to buy insurance

Even though rates can get expensive, paying for insurance serves a purpose in several ways.

The benefits of having insurance definitely exceed the cost, especially with large liability claims. On average, a vehicle owner in North Charleston is overpaying over $750 every year so smart consumers compare quotes once a year at a minimum to help ensure money is not being wasted.

Components of your insurance policy premiums

When buying insurance it's important to understand some of the factors that help determine your policy premiums. If you have some idea of what impacts premium levels, this allows you to make good choices that may result in cheaper rates.

Discounts can help lower premiums on car insurance

Some companies don't necessarily list all possible discounts very well, so here is a list both the well known and the harder-to-find savings tricks you should be using when you buy North Charleston car insurance online. If they aren't giving you every credit available, you are throwing money away.Cheaper car insurance with discounts

Keep in mind that most discount credits are not given to the entire cost. Most cut the cost of specific coverages such as liability, collision or medical payments. If you do the math and it seems like you could get a free car insurance policy, you won't be that lucky. But all discounts should help lower the premium cost.

A list of companies and some of the premium reductions they offer are:

Before buying, ask each insurance company the best way to save money. Some of the earlier mentioned discounts might not apply in your state. To choose companies that offer many of these discounts in South Carolina, click this link.

Will just any policy work for me?

When choosing the right insurance coverage, there really is not a perfect coverage plan. Each situation is unique so this has to be addressed.Safe vehicles cost less to insure These are some specific questions may help you determine if your insurance needs might need an agent's assistance.

If you can't answer these questions but a few of them apply, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form or you can go here for a list of companies in your area. It is quick, free and you can get the answers you need.

Car insurance claim statistics

Do you own a vehicle likely to have a claim? The statistics below show the highest and lowest vehicles for likelihood of having to file claims for each type of coverage.

Auto Insurance Comprehensive Claims by Vehicle Make and Model
Lowest Claim Amount Highest Claim Amount
Nissan Xterra Audi S7
Volvo V60 Maserati Granturismo
GMC Sierra 2500 Mercedes-Benz S Class
Chevy Spark Bentley Continental GTC
Smart ForTwo Bentley Continental GT
Nissan Leaf Porsche Panamera GTS

Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Lowest and Highest Collision Coverage Claims by Vehicle
Lowest Claim Amount Highest Claim Amount
Jeep Wrangler BMW 6 Series
Ford F-250 SuperCab Bently Continental GTC
Mini Cooper Bentley Continental Flying Spur
Ford Edge BMW M6
Ford F-150 SuperCrew Maserati Ghibli
Chevrolet Colorado Bently Continental GT

Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Lowest and Highest Liability Coverage Claims by Vehicle Make and Model
Lowest Claim Amount Highest Claim Amount
Subaru Outback Chevrolet Sonic
Acura MDX Dodge Charger
Chevrolet Corvette Kia Rio
Mercedes-Benz SL Class Chevrolet Cruze
Subaru Forester Kia Optima
Audi A6 Mitsubishi Lancer

Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Medical Payment Coverage Claims by Vehicle
Lowest Claim Amount Highest Claim Amount
Chevrolet Corvette Kia Forte
Ford F-250 SuperCrew Nissan Versa
Audi A4 Allroad Nissan Sentra
Tesla Model S Chrysler 200
Ford F-350 SuperCrew Chevrolet Spark
Ford Expedition Hyundai Accent

Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Cheap insurance prices are available

Throughout this article, we presented a lot of techniques to reduce insurance rates online in North Charleston. It's most important to understand that the more times you quote, the higher the chance of saving money. Consumers may even find the lowest rates come from a small local company. They may have significantly lower car insurance rates on certain market segments than their larger competitors like Allstate and Progressive.

Some insurance providers do not offer price quotes online and these small insurance companies prefer to sell through independent agents. Cheaper insurance in North Charleston is available on the web in addition to many North Charleston insurance agents, and you should compare price quotes from both to get a complete price analysis.

As you prepare to switch companies, don't be tempted to reduce coverage to reduce premium. There have been many situations where an insured dropped collision coverage only to regret they didn't purchase enough coverage. Your objective should be to buy enough coverage at an affordable rate, but don't skip important coverages to save money.

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